We care about helping people retire well.

Giving Back in 2018

Running a successful business is all about forming relationships and connecting with people. In many ways it’s its own reward. Giving back to the community is just as important. Not only does it bring meaning to the day-to-day routine, but it also simply feels good! As such, we are very proud to have supported the […]

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Steady Returns Quarterly Newsletter

2019 1st Quarter 2018 Markets Review 2018 was a challenging year for most markets. While the U.S. stock markets didn’t perform well (especially in the 4th quarter, which was the worst quarter since the 4th quarter of 2008), they outperformed most foreign markets. For the year, here are how the following key markets did: 7% […]

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What will my Social Security benefit be?

For the majority of people, this is a straightforward question. The Social Security Administration (SSA) sends a statement each year outlining your approximate monthly payment based on whether you start taking benefits at age 62, 66, or 70. This isn’t the case for everyone, though. My mom is a good example. Mom worked full-time (well, […]

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Big Positions

Recently I met with a married couple nearing retirement, and they asked for an analysis of their current portfolio along with recommendations. Looking down their list of assets, I saw that they had (1) a significant amount of money sitting in a savings account earning very little interest, (2) a diversified portfolio of mutual funds, […]

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How Important is Long-Term Care Insurance?

“Chris, a good day for me is getting all the way to the end of the driveway to get my mail.” When Pat G., our longtime friend and client suffering from multiple sclerosis, said this to me a few months ago it hit home in two main ways: 1) I’m grateful to be able to […]

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Pay off the mortgage early?

Two of our clients have recently decided to pay off their mortgages early. Some would debate that they are better off keeping that money invested in a diversified portfolio, as the expected long-term average annual return of a moderate to aggressive risk profile portfolio is greater than the mortgage’s interest rate. Yet life, and its […]

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